Sun Life Financial Inc.

LSE:0VJA Stock Report

Market Cap: CA$49.2b

Sun Life Financial Valuation

Is 0VJA undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

3/6

Valuation Score 3/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of 0VJA when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: 0VJA (CA$84.16) is trading below our estimate of fair value (CA$203.31)

Significantly Below Fair Value: 0VJA is trading below fair value by more than 20%.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for 0VJA?

Key metric: As 0VJA is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for 0VJA. This is calculated by dividing 0VJA's market cap by their current earnings.
What is 0VJA's PE Ratio?
PE Ratio13.8x
EarningsCA$3.56b
Market CapCA$49.24b

Price to Earnings Ratio vs Peers

How does 0VJA's PE Ratio compare to its peers?

The above table shows the PE ratio for 0VJA vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average24.2x
LGEN Legal & General Group
46x28.0%UK£12.9b
PRU Prudential
24.1x28.4%UK£16.9b
JUST Just Group
16.5x8.2%UK£1.5b
AV. Aviva
10.1x4.2%UK£12.9b
0VJA Sun Life Financial
13.8x6.8%CA$49.2b

Price-To-Earnings vs Peers: 0VJA is good value based on its Price-To-Earnings Ratio (13.8x) compared to the peer average (24.2x).

Price to Earnings Ratio vs Industry

How does 0VJA's PE Ratio compare vs other companies in the European Insurance Industry?

1 CompanyPrice / EarningsEstimated GrowthMarket Cap
0VJA 13.8xIndustry Avg. 11.8xNo. of Companies12PE0816243240+
1 CompanyEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: 0VJA is expensive based on its Price-To-Earnings Ratio (13.8x) compared to the European Insurance industry average (11.8x).

Price to Earnings Ratio vs Fair Ratio

What is 0VJA's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

0VJA PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio13.8x
Fair PE Ration/a

Price-To-Earnings vs Fair Ratio: Insufficient data to calculate 0VJA's Price-To-Earnings Fair Ratio for valuation analysis.

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst 0VJA forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentCA$84.16
CA$86.31
+2.6%
9.1%CA$96.00CA$66.00n/a13
Nov ’25CA$77.39
CA$80.43
+3.9%
7.5%CA$90.00CA$66.00n/a14
Oct ’25CA$78.55
CA$75.29
-4.2%
5.1%CA$81.00CA$66.00n/a14
Sep ’25CA$73.33
CA$75.23
+2.6%
5.3%CA$81.00CA$66.00n/a13
Aug ’25CA$67.50
CA$74.77
+10.8%
4.8%CA$80.00CA$66.00n/a13
Jul ’25CA$65.76
CA$75.00
+14.1%
5.7%CA$83.00CA$66.00n/a13
Jun ’25CA$69.14
CA$75.00
+8.5%
5.7%CA$83.00CA$66.00n/a13
May ’25CA$71.33
CA$75.92
+6.4%
5.4%CA$83.00CA$66.00n/a13
Apr ’25CA$73.90
CA$75.46
+2.1%
5.3%CA$83.00CA$66.00n/a13
Mar ’25CA$72.34
CA$75.15
+3.9%
6.0%CA$82.00CA$63.00n/a13
Feb ’25CA$69.72
CA$73.25
+5.1%
6.2%CA$80.00CA$63.00n/a12
Jan ’25CA$68.51
CA$71.23
+4.0%
8.2%CA$79.00CA$57.00n/a13
Dec ’24CA$68.41
CA$71.23
+4.1%
8.2%CA$79.00CA$57.00n/a13
Nov ’24n/a
CA$70.85
0%
9.2%CA$79.00CA$57.00CA$77.3913
Oct ’24CA$66.55
CA$71.00
+6.7%
9.1%CA$79.00CA$57.00CA$78.5513
Sep ’24CA$65.49
CA$71.67
+9.4%
8.7%CA$79.00CA$57.00CA$73.3315
Aug ’24n/a
CA$72.56
0%
8.5%CA$79.00CA$57.00CA$67.5016
Jul ’24n/a
CA$73.64
0%
5.0%CA$79.00CA$63.00CA$65.7614
Jun ’24n/a
CA$72.73
0%
6.8%CA$79.00CA$60.00CA$69.1415
May ’24n/a
CA$73.43
0%
4.7%CA$78.00CA$63.00CA$71.3314
Apr ’24n/a
CA$72.73
0%
6.1%CA$78.00CA$62.00CA$73.9015
Mar ’24CA$65.75
CA$72.47
+10.2%
7.0%CA$78.00CA$59.00CA$72.3415
Feb ’24CA$66.23
CA$69.80
+5.4%
5.9%CA$75.00CA$59.00CA$69.7215
Jan ’24CA$63.31
CA$66.61
+5.2%
6.7%CA$75.00CA$59.00CA$68.5114
Dec ’23CA$62.15
CA$66.61
+7.2%
6.7%CA$75.00CA$59.00CA$68.4114
Nov ’23n/a
CA$66.35
0%
7.7%CA$78.00CA$57.00n/a13

Analyst Forecast: Target price is less than 20% higher than the current share price.

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